Call reports 2005
PINELAND STATE BANK — 2005
What PINELAND STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 60,574,000 | 60,284,000 | 62,162,000 | 63,811,000 |
| Total loans | 43,033,000 | 43,793,000 | 44,182,000 | 43,370,000 |
| Allowance for loan losses | 993,000 | 980,000 | 1,004,000 | 828,000 |
| Securities available for sale | 5,163,000 | 4,904,000 | 4,554,000 | 4,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,040,000 | 51,688,000 | 52,342,000 | 53,347,000 |
| Interest-bearing deposits | 46,945,000 | 46,559,000 | 46,475,000 | 47,798,000 |
| Noninterest-bearing deposits | 5,095,000 | 5,129,000 | 5,867,000 | 5,549,000 |
| Equity capital | 7,120,000 | 7,257,000 | 7,416,000 | 7,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 908,000 | 1,874,000 | 2,917,000 | 3,957,000 |
| Interest expense | 226,000 | 503,000 | 822,000 | 1,168,000 |
| Net interest income | 682,000 | 1,371,000 | 2,095,000 | 2,789,000 |
| Noninterest income | 142,000 | 266,000 | 393,000 | 533,000 |
| Noninterest expense | 574,000 | 1,166,000 | 1,753,000 | 2,385,000 |
| Provision for loan losses | 24,000 | 48,000 | 68,000 | 98,000 |
| Pretax income | 226,000 | 423,000 | 667,000 | 839,000 |
| Income tax | 81,000 | 151,000 | 238,000 | 302,000 |
| Net income | 145,000 | 272,000 | 429,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,211,000 | 6,383,000 | 6,586,000 | 6,527,000 |
| Total capital | 6,782,000 | 6,962,000 | 7,178,000 | 7,114,000 |
| Risk-weighted assets | 45,297,000 | 45,907,000 | 46,962,000 | 46,693,000 |